Overdraft Solutions

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What is an overdraft?

An overdraft occurs when your account does not have enough money to cover a transaction. The Bank may pay the item(s) that overdraws your account at its discretion, taking into consideration your status in our Overdraft Privilege Program. If the item is paid, the Bank may charge a fee of $36 per item.

S&T charges a $36 Overdraft Fee for each item that overdraws your account below a zero balance.
• Personal accounts – A maximum of five overdraft fees may be charged per business day.
• Business accounts – There is no cap on overdraft fees that may be charged per business day.

 View our account disclosures page for more information.

S&T Overdraft Privilege
If your account has Overdraft Privilege and is overdrawn by less than or equal to your account’s Overdraft Privilege amount after nightly processing, we may pay presented transactions and may charge an Overdraft Fee for each transaction that overdraws your account, up to a maximum of five overdraft fees per business day for personal accounts. There is no cap on overdraft fees that may be charged per business day for business accounts. For questions regarding your account’s Overdraft Privilege amount and status, please speak to an S&T banker or contact the Solution Center at 800.325.2265.

How Can I Avoid Overdraft Fees?

S&T makes it easy to access your account information.

  • Online Banking

    Connect to your accounts online 24/7 with online banking. Manage your financial information, check balances, make transfers, setup alerts and more.

  • Mobile Banking

    Mobile banking provides all the features of online banking securely and conveniently on your mobile device.

  • Alerts

    Establish security, balance and transaction alerts in online banking. Email and text alerts notify you of low balances, unauthorized transactions and more.

Link your accounts.

An eligible S&T savings account, money market or line of credit, can be linked to your checking account to be used to cover transactions when there is not enough money in your account. So, if you have enough money in your savings account or available on your line of credit to cover a transaction that overdraws your account, we’ll transfer enough to cover it on your behalf. For questions regarding linking accounts, please speak to a banker or contact the Solution Center at 800.325.2265.

An overdraft occurs when your account does not have enough money to cover a transaction, but the bank pays the transaction on your behalf.

5 for personal accounts and uncapped for business accounts.

You can link any eligible savings, money market or line of credit to your checking account for overdraft protection.

Our partnership in your finances is very important to us. If you have additional questions or would like to discuss your options for avoiding overdraft fees, please do not hesitate to visit a branch or call our Solution Center at 800.325.2265.

No. S&T does not charge a fee for a transaction that is returned unpaid.

Yes. You may link any eligible savings, money market or line of credit to your checking account for overdraft protection.

No, there are no fees to transfer money for overdraft protection.

Questions can be answered by calling our Solution Center at 800.325.2265 or by viewing our disclosures.

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